20 Different Free Credit & Debt Letters

[Credit Expert]

This is letter 1 of 20 you will find on this page. Our entire free credit repair kit can be found at http://www.expert-credit-advice.com, http://www.expert-debt-advice.com, http://www.expert-loan-advice.com. http://www.expert-consumer-advice.com or http://www.Credit-Advice-Blog.com.


This letter is used for purchasing your credit report. You must first contact the credit bureaus and get their current price for a credit report in order to receive your credit reports successfully.


Letter #1 from free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter1.htm




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To Whom It May Concern,


Please send me a copy of my credit report. My personal information is as follows:


Full Name:_______________________________________


Date of Birth:____________________________


Social Security Number:_________-_______-___________


Current Address:

________________________________________________________

________________________________________________________


Previous Address:

________________________________________________________

________________________________________________________


Enclosed please find my check in the amount of $__________, as payment for this credit report. Also enclosed is a copy of my drivers license, and a copy of a billing or utility statement with my current address clearly stated. Please send the report to the current address specified above.



Sincerely,

_________________________________
Signature


Date: _________________________________





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next letter below....

[Credit Expert]

Request for free copy of Credit Report


This letter is to obtain a free credit report based on credit denial. If you have been denied credit based on the information in your credit file within the last 60 days; you are entitled to a free copy of your credit report from that credit bureau.

Letter #1 from free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter2.htm



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To Whom It May Concern,

I would like to request that you send me a copy of my credit report immediately. I’ve been denied credit within the last sixty days due to a credit report issued by your company.

The Fair Credit Reporting Act of 1970,15 USC section 1681g prescribes that the credit bureau should send me a copy of the information which led to the rejection of my credit application. According to the provision of 15 USC section 1681j, there should be no charge for this information. My personal information is as follows:

Full Name: ________________________________________________________


Social Security Number: ____________ - ________ - _____________


Date of Birth: _____________________________________________________


Current Address:

_________________________________________________

_________________________________________________



Previous Address:

__________________________________________________

__________________________________________________


Please send the free report to the address hereby stated. Your immediate attention to this matter is appreciated.


Sincerely,

___________________________________
Signature



Date: __________________________






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[Credit Expert]

Request To Delete Inaccurate Information

This letter is used for disputing inaccurate information on your credit report with the credit bureaus. You can dispute anything you feel is inaccurate.


Letter #3 from free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter3.htm



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To Whom It May Concern,

I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

Company Name Account # Comments

__________________________ ____________________ ____________________________________________

__________________________ ____________________ ____________________________________________

__________________________ ____________________ ____________________________________________

__________________________ ____________________ ____________________________________________

Under federal law, you have 30 days from receipt of this letter to re-verify these entries. It should be understood that failure to do so within a thirty day period constitutes reason to promptly delete the information from my file FCRA 15 USC s1681i (5)(A).

Also, pursuant to USC s1681i (6)(A) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC section 1681j, there should be no charge for this notification. Additionally, please provide me with the name, address and telephone numbers of each credit grantor or other subscribers that you contacted for follow up.

My personal information is as follows:


Full Name :______________________________________________________________


Social Security Number: ________________ - _______ - ________________


Date of Birth ____________________________________________________________


Current Address

_________________________________________

_________________________________________



Sincerely,

_________________________________________
Signature




Date:____________________________________









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[Credit Expert]

Request to Remove Outdated Information

This letter is used for disputing outdated information on your credit report. The Statute Of Limitations vary from state to state. This letter should be sent certified mail return receipt.


Letter #4 from our free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter4.htm




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Certified Mail #__________________________________________________


To Whom It May Concern,

Please note that under Sections 605 and 607 of the Federal Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit file. The information being reported on my credit report is more than seven years old and exceeds the statutory time period under this Act, and must be removed:

The information to be deleted is as follows:

Company Name Account # Comments

______________________________ ____________ _________________________________________

______________________________ ____________ _________________________________________

______________________________ ____________ _________________________________________

______________________________ ____________ __________________________________________


Also, pursuant to Section 168 of the same Act, I am entitled to be notified when these items have been deleted. Please send an updated copy of my credit report to the address below, as well as to any other party that has inquired about my credit rating in the last six months.


My personal information is as follows:

Full Name:_______________________________________________________________

Social Security Number: _____________ - _______ - ______________

Date of Birth:__________________

Current Address: _______________________________________________________


Previous Address: ______________________________________________________


Sincerely,

_______________________________________________
Signature



Date:___________________________________________





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[Credit Expert]

Reminder to Respond Letter

This letter is used as a reminder notice to the credit bureau that they have not been able to verify the accuracy of the items previously disputed within 30 days so under federal law the item(s) must be deleted. This letter should include the original dispute letter and be sent certified mail return receipt.


Letter #5 from our free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter5.htm


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Certified Mail #__________________________________________________


To Whom It May Concern,

Thirty days ago you received my letter deposited by registered mail with the US Postal Service. In my letter I had disputed several items listed on my credit report, issued by your firm. The items were outdated and inaccurate. Attached is a copy of the original letter.

Under the Fair Credit Reporting Act 15 USC 1681i (5)(A), you had 30 days from the receipt of my letter to respond to my request for re-verification of the erroneous items. You have failed to respond in a timely manner to my request for re-verification. Therefore, it must be that the information on my credit report was either inaccurate or could not be re-verified. In either case, according to the provisions of 15 USC section 1681i (a), the items must be deleted immediately. The listed items represent a very serious error in your reporting. Please respond immediately so that I do not need to pursue my legal rights under 15 USC Section 1681n or 1681o, which require your compliance with the law.

Also, pursuant to 15 USC Section 1681i (d) of the Fair Credit Reporting Act, please notify me when the items are deleted. Send me an updated copy of my credit report to the address below, as well as to any other party that has inquired about my credit within the last six months.

My personal information is as follows:


Full Name:_________________________________________________

Social Security Number: _______________ - _______ - ____________

Date of Birth:_____________________


Current Address:

_______________________________

_______________________________


Previous Address:

_______________________________

_______________________________



Sincerely,

____________________________________________
Signature





Date: ______________________________________

[Credit Expert]

Final Demand for Corrected Credit Report Letter

This final demand letter should be sent if all else fails. This letter is much more aggressive than the previous request and reminder letters. It is very important that you include copies of the two previous request and reminder letters as well as produce and keep a copy for yourself.


Letter #6 from our free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter6.htm





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Certified Mail #__________________________________________________


To Whom It May Concern,

On _______________________, I wrote to tell you that I had not heard about any specific action taken by you to re-verify the items I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review.
Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period (30 days) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.

I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding.

Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, “Civil liability for willful noncompliance”. Your credit bureau may be liable for:

1) Any actual damages I sustain due to your failure to delete the items
2) Punitive damages as the court may allow
3) Cost of the court action, plus attorneys fees

A copy of this letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations (Division of Consumer Complaints.)


Full Name: _______________________________________________


Social Security Number: _____________--________--__________________


Date of Birth: _______________________________________


Current Address:

____________________________________________________________

____________________________________________________________



Previous Address:

___________________________________________________________

___________________________________________________________


Sincerely,

_________________________________________
Signature


Date:_____________________________________






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[Credit Expert]

Request to Delete Unauthorized Inquiries Letter

This letter is used to delete unauthorized inquiries from your credit report. Many times companies do not have your permission to access your credit report, but do it anyway. This letter should be sent certified mail return receipt.


Letter #7 from our free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter7.htm




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Certified Mail #__________________________________________________




To Whom It May Concern,

I am writing this letter to inform you that that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies; and the dates the inquiries were made.



Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________

Name: ___________________________ Date: _________________________


Since I did not authorize these companies to obtain my credit report; I demand that these items be removed immediately and my credit score be adjusted accordingly. In addition I am requesting a copy of my updated credit report reflecting these changes be sent to me immediately. I appreciate your attention in this matter.

Full Name: ________________________________________________________


Social Security Number: ____________ - ________ - _____________


Date of Birth: _____________________________________________________


Current Address:

_________________________________________________

_________________________________________________


Previous Address:

__________________________________________________

__________________________________________________


Sincerely,

___________________________________________
Signature

Date:______________________________________

[Credit Expert]

Request to Merge Inquiries Letter

This letter is used to combine several inquiries into one. For example, you may have applied for a home loan with a mortgage broker who allowed many companies to pull your credit report, which would have a negative impact on your credit

Letter #8 from our free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter8.htm




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To Whom It May Concern,

I have recently found on my credit report the presence of several inquiries as entries separated from their corresponding accounts. These inquiries duplicate inaccurately the information in my report, and reflect an incomplete and inaccurate processing of information in my file.The inquiry entries should be deleted, or at least merged into the accounts to which they belong.

The accounts in question are:

Company Name Account #

_________________________________________________ ____________________________________

_________________________________________________ ____________________________________

_________________________________________________ ____________________________________

_________________________________________________ ____________________________________


Under the provisions of the Fair Credit Reporting Act 15 USC Section 1681i, please reinvestigate and delete these disputed items, and send me the names and addresses of persons contacted. Under 15 USC Section 1681i (5)(A), you are allowed thirty days from receipt of this letter to complete these actions, unless you immediately notify me otherwise. Please understand that failure to re-verify these items within this time constitutes non-verification, and the items must be promptly deleted as per Section 1681i (a).


Also, according to 15 USC Section 1681i (D) of the Fair Credit Reporting Act, please notify me when the items have been deleted, and send an updated copy of my credit report to the address below. There should be no charge for notification of changes on my credit report, pursuant to 15 USC section 1681j, of the Fair Credit Reporting Act.

I appreciate your assistance with this matter.



Sincerely,

_______________________________________________
Signature


Full Name:__________________________________________________________________


Social Security Number: _____________ - _______ - ______________


Current Address:

_________________________________________________________

_________________________________________________________


Previous Address:

_______________________________________________________

_______________________________________________________


Date:___________________________________________




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[Credit Expert]

Request for Reasons of Credit Denial Letter

This letter is to request the reason(s) for being denied credit. This letter is specifically used for obtaining information from that company to help dispute those negative items further with the credit reporting agencies.

Letter #9 from our free credit repair kit: http://www.expert-credit-advice.com/Letters/Letter9.htm



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To Whom It May Concern,

Your company has denied me credit.

Please be advised that, pursuant to Section 615(b) of the Federal Fair Credit Reporting Act, I am entitled to request, and I hereby do so, a full disclosure of the factual information disclosed to you by persons other than Consumer Reporting Agencies, so that I may refute, challenge or dispute its accuracy.

Please take further notice that you are required to render such notification to me within a reasonable period of time. The Federal Trade Commission has defined such reasonable time as 30 days after you receive this request. Please send the information to the address stated below.

My personal information is as follows:

Full Name: ________________________________________________

Social Security Number: ____________ - _______ - ____________


Date of Birth: _____________________________



Current Address

_______________________________________

_______________________________________



Previous Address

_______________________________________

_______________________________________




Sincerely,

_________________________________________
Signature



Date:_____________________________________






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[Credit Expert]

Explanation for Delinquent Payment Letter

This letter is used for pleading with a creditor the fact that your untarnished credit report has been affected negatively because of one problem over many years of good payment history. You are asking the creditor to remove the negative information as a one-time courtesy based on your excuse.


Letter #10 from our free credit repair kit: http://www.expert-credit-advice.com/Let ... tter10.htm


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To Whom It May Concern,

I have recently found that several of my payments to your account have been labeled as “late” on my credit report.

These missed payments were due to:

_____________________________________________________________________

______________________________________________________________________

______________________________________________________________________

______________________________________________________________________

______________________________________________________________________

______________________________________________________________________


I have always paid my accounts on time in the past. Since the late payments occurred for the above justifiable reasons, please correct the payment history for my account at the following credit bureaus, which carry the history of my account with you:

_______________________________________________________________

_______________________________________________________________

_______________________________________________________________


It is imperative that my credit reflect the good business relations I have maintained with your company in the past. The corrections to the credit report will make it more representative of my financial habits. I sincerely hope you will not take into consideration my oversight with these late payments which, I assure you, will not occur again. I look forward to continuing our relationship for many years.


My personal information is as follows:


Account Number: ______________________________________


Full Name: ___________________________________________


Social Security Number: __________-________-_______________


Date of Birth: ________________________________________



Current Address:

___________________________________

___________________________________



Previous Address:

___________________________________

___________________________________


Sincerely,





Date: ___________________________________





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